The candidates for the Georgia state insurance commissioner are focusing on increasing fines and expanding legal protections for bad-actor insurance companies, while Democrats are pushing more targeted policies to lower premiums. Ambuj "AJ" Jain, a business owner and nonprofit founder, has previously worked as the chief underwriting officer for an insurance company and serves on Fulton County’s Audit Committee and its election task force. His campaign platform includes eliminating automatic rate hikes, increasing investigations into denied claims or delayed payouts, and calling for the state to expand its Medicaid.